Article 36 a borrower should provide guarantee for commercial bank loans.

第三十六条商业银行贷款，借款人应当提供担保。

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At this stage the construction of commercial bank loans, will play a major role.

在这个阶段的建设商业银行贷款，将发挥重要作用。

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The past, the commercial bank loans to enterprises only fixed asset loans and working capital loans two broad categories.

过去，商业银行贷款，企业只有固定资产贷款和流动资金贷款两大类。

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The traditional commercial bank would accept deposits from businesses and make loans to businesses.

早期的商业银行吸收商业存款,并发放商业贷款

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Over the past two decades, emerging market countries and companies have increasingly looked to the private capital markets (i.e. the issuing of stocks and bonds) for larger-scale funding and away from their traditional reliance on syndicated commercial bank loans and Western government financing vehicles.

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Since the 1980's, emerging market economies, like those of China and Russia, have become increasingly sophisticated in the way they finance their respective governments and affiliated companies -- transitioning from reliance on syndicated commercial bank loans and Western government funding vehicles to the private capital markets (i.e. the issuance of stocks and bonds).

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But unlike bank loans, commercial paper is not backed by collateral.

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